Insurance _ Claims Procedure Ma

ANGLICAN CHURCH OF AUSTRALIA
DIOCESE OF GIPPSLAND
INSURANCE
AND
CLAIMS PROCEDURE MANUAL
2006
Issued by the Registrar, Diocese of Gippsland, PO Box 928, Sale Vic 3853
Phone - (03) 5144 2044 Fax - (03) 5144 7183 Email – registrar@gippsanglican.org.au
Website - http://www.gippsanglican.org.au
9 March 2010
Your initial contact for all insurance matters is:
Mr Brian Norris
Registrar
Postal address: Anglican Diocese of Gippsland
PO Box 928
SALE VIC 3850
Telephone : (03) 5144 2044
Fax : (03) 5144 7183
Email: registrar@gippsanglican.org.au
INDEX
Section Page
1. INTRODUCTION ..................................................................................................................................................... 1
LIST OF INSURANCES ................................................................................................................................................... 2
STATUTORY NOTICES .................................................................................................................................................. 3
Duty of Disclosure .............................................................................................................................................. 3
Non-disclosure ................................................................................................................................................... 3
Contracts Affecting Insurer's Rights to Recover from Third Parties ................................................................... 3
2. INSURANCE CONTACTS ....................................................................................................................................... 1
DIOCESAN INSURANCE CONTACT .................................................................................................................................. 1
ANGLICAN NATIONAL INSURANCE PROGRAM .................................................................................................................. 1
3. FREQUENTLY ASKED QUESTIONS ..................................................................................................................... 1
PROPERTY INSURANCE ....................................................................................................................................... 1
1. Do we have a claim? .............................................................................................................................. 1
2. How do we make a claim? ...................................................................................................................... 1
3. How do we set our insurance values? .................................................................................................... 1
4. Is property belonging to other people insured? ...................................................................................... 1
5. Is leased equipment insured? ................................................................................................................ 2
PUBLIC LIABILITY INSURANCE ............................................................................................................................. 2
1. Are activities away from the Parish included? ........................................................................................ 2
2. Is the liability of staff members insured? ................................................................................................ 2
3. How do we show that our Parish has Public Liability Insurance? ........................................................... 2
4. Does our Public Liability policy insure the Indemnity Clauses in contracts with Suppliers? ................... 2
VOLUNTARY WORKERS ........................................................................................................................................ 2
1. Are voluntary workers covered by Insurance? ....................................................................................... 2
HIRE OF CHURCH PROPERTY .............................................................................................................................. 2
1. Who must have Public Liability Insurance? ............................................................................................ 2
2. Can we arrange Public Liability Insurance for Hirers? ............................................................................ 3
4. CLAIMS PROCEDURE ........................................................................................................................................... 1
INCIDENT REPORTING .................................................................................................................................................. 1
PROPERTY (INDUSTRIAL SPECIAL RISKS)....................................................................................................................... 1
PROPERTY IN TRANSIT (CLERGY AND LAY EMPLOYEE TRANSFERS) ................................................................................... 2
GENERAL LIABILITY (PUBLIC AND PRODUCTS) ................................................................................................................ 3
PROFESSIONAL INDEMNITY ........................................................................................................................................... 3
DIRECTORS’ & OFFICERS’ LIABILITY .............................................................................................................................. 3
EMPLOYMENT PRACTICES LIABILITY .............................................................................................................................. 3
STATUTORY LIABILITY .................................................................................................................................................. 3
VOLUNTARY W ORKERS PERSONAL ACCIDENT ............................................................................................................... 4
BUSINESS TRAVEL ...................................................................................................................................................... 4
PERSONAL ACCIDENT & SICKNESS ............................................................................................................................... 4
STIPEND CONTINUANCE INSURANCE ............................................................................................................................. 4
MOTOR VEHICLE ......................................................................................................................................................... 5
5. INSURANCE PROGRAM SUMMARY..................................................................................................................... 1
INDUSTRIAL SPECIAL RISKS ................................................................................................................................ 1
PUBLIC AND PRODUCTS LIABILITY ...................................................................................................................... 2
PROFESSIONAL INDEMNITY ................................................................................................................................. 3
DIRECTORS' AND OFFICERS' LIABILITY .............................................................................................................. 3
STATUTORY LIABILITY .......................................................................................................................................... 3
EMPLOYMENT PRACTICES PROTECTION ........................................................................................................... 4
VOLUNTARY WORKERS PERSONAL ACCIDENT................................................................................................. 4
TRANSIT – HOME CONTENTS (CLERGY AND LAY EMPLOYEE TRANSFERS) ................................................................. 5
PERSONAL ACCIDENT & SICKNESS .................................................................................................................... 6
STIPEND CONTINUANCE ...................................................................................................................................... 6
MOTOR VEHICLE.................................................................................................................................................... 6
CONSTRUCTION SPECIAL RISKS ......................................................................................................................... 7
STALLHOLDER’S LIABILITY ................................................................................................................................... 8
HIRER’S LIABILITY ................................................................................................................................................. 8
Hire or use of church property............................................................................................................................ 8
BUSINESS TRAVEL .............................................................................................................................................. 10
6. AGREEMENTS AND FORMS ................................................................................................................................. 1
PERSONAL HIRE AGREEMENT
MEMORANDUM OF HIRE OF FACILITY
TRAVEL DECLARATION
PROPERTY INSURANCE CLAIM FORM
INCIDENT REPORT
PUBLIC LIABILITY CERTIFICATE OF CURRENCY
AMENDMENT SHEET
Parish Manual Version 6.0 Index ii
1. INTRODUCTION
This manual is designed to assist people managing insurance to gain an understanding of:
 the issues relating to insurance within a church environment;
 the relationship between Parishes, the Diocese Office and insurer; and
 how to make a claim.
Parishes within the Diocese of Gippsland use various forms of insurance policies to cover the
potential costs associated with major incidents. These incidents may include; property damage,
claims against church workers, public liability etc.
Registry participates in the Anglican National Insurance Program (ANIP) which collectively
negotiates with Insurance Brokers ensuring parishes have appropriate insurances that are aligned
with best practice arrangements.
To ensure claims are processed in a streamlined manner you are encouraged to process and
discuss claims with your Diocesan Insurance Contact (refer Section 2).
Parish Manual Version 6.0 Page S1-1
List of insurances
Insurance policy Description of cover
Industrial Special Risks (Building & Contents) Protection against loss of or damage to buildings and contents
and loss of business income arising from an insured peril.
Public and Products Liability Protection for claims against us where we are legally liable for
personal injury to or damage to property of third parties.
Professional Indemnity Protects against any claim made on us for breach of professional
duty by reason of any negligent act, error or omission.
Directors’ and Officers’ Liability The Policy covers all clergy, members of vestry and persons
holding positions as Directors, Secretaries or Executive Officers
in all Parishes of the Diocese plus other nominated organisations.
The cover protects against personal legal liability of the insured
persons for their errors, misstatements, or breaches of duty
committed in good faith in their official positions.
Employment Practices Liability Indemnifies Employers in respect of claims for breaches of
employment practices legislation.
Statutory Liability Provides cover for fines arising out of breaches of some State
and Commonwealth legislation
Voluntary Workers Personal Accident Cover for all voluntary Clergy and Lay workers between 7and 85
years of age, whilst actually engaged in voluntary work officially
organised by and under the control of the church and/or its
relevant councils, committees or bodies.
Personal Accident & Sickness Cover on the lives of nominated Clergy and Staff
Stipend Continuance Cover applies for all licensed Parish and Diocesan paid clergy
(less than 65 years of age) for long term temporary total disability.
Motor Vehicle Comprehensive cover for vehicles belonging to the Diocese.
The following insurances are available on request
Transit – Home Contents Covers property of Clergy and Employees for moves between
Parishes or appointments that are paid for by the
Diocese/Parish/Employer.
Construction Special Risk Provides cover for damage to the Contract Works and for injury to
third parties or damage to their property during property
construction and major maintenance projects.
Hirer’s Liability A policy for private individuals wishing to hire Church property for
personal use. The provision of a public liability policy is a
requirement of all hirers of church property.
Stallholder’s Liability This policy makes public liability cover available to Stallholders
who do not have their own policy when operating at a parish
market.
Business Travel insurance The policy covers all persons travelling on official Parish or
Diocesan business interstate and overseas. Intrastate travel is
also insured where the journey involves travel by air or an
overnight stay.
Parish Manual Version 6.0 Page S1-2
Statutory Notices
Duty of Disclosure
We have a duty, under the Insurance Contracts Act 1984, to disclose to our Insurers every matter
that we know, or could reasonably be expected to know, is relevant to the Insurers’ decision
whether to accept the risk of the insurance and, if so, on what terms.
We have the same duty to disclose those matters to the Insurers before we renew, extend, vary or
reinstate a contract of general insurance.
We therefore request that any unusual features, which might increase the likelihood of a claim
under the policy, be advised to your Diocesan Insurance Contact (details in Section 2) at the
Diocesan Office immediately they come to your attention.
Non-disclosure
If we fail to comply with the duty of disclosure, our Insurers may be entitled to reduce their liability
under the contract in respect of a claim or may cancel the contract.
If the non-disclosure is fraudulent, our Insurers may also have the option of avoiding the contract
from its beginning.
Contracts Affecting Insurer's Rights to Recover from Third Parties
Our policies contain a provision that may affect our rights to recover in respect of a loss which
arises as a result of a contract between any of our Insureds and another party.
If, pursuant to a contract to which you are a party, the liability of that other party to you in respect
of personal injury or loss or damage arising under the contract is excluded or limited, your ability to
recover under the policy will be excluded or limited in the same way. In other words, if you enter
into a contract that excludes or limits the other party's liability to you in the event of personal injury
or loss or damage the policy will not cover you.
A copy of existing or new contracts to which you are a party and which may affect your insurances
should be sent to your Diocesan Insurance Contact (details in Section 2) at the Diocesan Office so
that you may be advised concerning the impact of those contracts on your ability to recover under
your insurances.
Examples of such contracts are :-
 a fire sprinkler maintenance agreement where the contract limits the liability of the
contractor in the event of the system malfunctioning
 a lease that requires you to indemnify and hold harmless the Landlord
 an hire agreement that requires you as the Landlord to accept responsibility for the hirer’s
negligence – this is a favourite with State Government Electoral Offices.
Parish Manual Version 6.0 Page S1-3
2. INSURANCE CONTACTS
Diocesan Insurance Contact
Your initial contact for all insurance matters is as follows:
Brian Norris
Registrar
Postal address: Anglican Diocese of Gippsland
PO Box 928
SALE VIC 3850
Telephone : (03) 5144 2044
Fax : (03) 5144 7183
Email: registrar@gippsanglican.org.au
Anglican National Insurance Program
For more technical matters you may be referred to Robert Till at Registry in Melbourne Diocese,
which administers the Anglican National Insurance Program. Robert’s contact details are:
Postal address: The Anglican Centre
209 Flinders Lane
MELBOURNE 3000
Email: rtill@melbourne.anglican.com.au
Phone: (03) 9653 4229
Fax: (03) 9653 4268
Parish Manual Version 6.0 Page S2-1
3. FREQUENTLY ASKED QUESTIONS
PROPERTY INSURANCE
1. Do we have a claim?
The cover provided by the policy is very broad so in most cases, provided the total of the loss
and/or damage is more than the excess of $500 for each claim you will have a valid claim. Refer to
Section 3 for details of the cover.
2. How do we make a claim?
Refer to Section 4 for Claims Procedure. If you are unsure about what to do, please contact your
Diocesan Insurance Contact (details in Section 5) with details of when, where and how the loss
occurred. If possible, it would also be helpful if you give an estimate of the amount of the loss. He
will advise you how to proceed.
A Claim Form is included at the end of this Manual
3. How do we set our insurance values?
Buildings and Contents are insured on a New for Old basis.
Estimating the Value of Contents should not be a problem unless you have stained glass windows
and/or a pipe organ. For these items it is best to obtain a professional opinion.
It is always helpful to keep an off-site copy record (with photos if possible) of your Contents as the
last thing you need is to lose your records in a disaster. This proved to be very useful in many
major losses. Its importance cannot be over emphasised.
Professional Valuations are expensive but Buildings can be valued to a satisfactory level of
accuracy by someone from your Parish with knowledge of building costs. The values need to
include Architects’ and Surveyors’ Fees, an allowance for the cost of Removal of Debris, and the
cost of complying with Uniform Building Regulations, Local Council requirements etc. Do not
include the value of the land.
Parish income is insured and the appropriate amount is disclosed to Insurers by Church Office.
Business income can be insured and an amount should be included to cover on-going expenses
or loss of rent in the event that income is interrupted or reduced because of an insured event.
This is best reviewed with your Diocesan Insurance Contact.
4. Is property belonging to other people insured?
The limit of cover for property of Employees and Volunteers whilst on Parish duties and whilst
such property is on Parish property (or at another site of Parish activity) is $5,000 per person. A
claim will be accepted only upon production of evidence that there is no other insurance,
such as Home Contents, in force. This does not cover the Home Contents of Clergy in
vicarages, for which they should make their own arrangements.
Parish Manual Version 6.0 Page S3-1
Other than this, cover applies only to Parish and Diocesan property unless specific arrangements
are made.
5. Is leased equipment insured?
Leased items such as photocopiers and office equipment are automatically included under your
Property Insurance policy including the interest of the Finance Company. The only action you
need to take is to inform your Diocesan Insurance Contact (refer Section 2) of any increase in
Contents value.
PUBLIC LIABILITY INSURANCE
1. Are activities away from the Parish included?
Yes. If it is a Parish activity, liability cover applies.
2. Is the liability of staff members insured?
Yes, but only in respect of authorised duties of your Parish or the Diocese.
3. How do we show that our Parish has Public Liability Insurance?
When a Parish conducts an activity, such as a Street Stall, on someone else’s property there is
usually a request for a Certificate of Currency for Public Liability Insurance.
A Certificate of Currency is included at the end of this manual so that you can provide a copy
without delay.
4. Does our Public Liability policy insure the Indemnity Clauses in contracts with
Suppliers?
Always read the Contract very carefully and if it contains an Indemnity Clause refer it to your
Diocesan Insurance Contact because the cover is very limited.
VOLUNTARY WORKERS
1. Are voluntary workers covered by Insurance?
Their liability is covered under our Public Liability insurances and there is also cover for injury
under the Voluntary Workers Personal Accident policy – see Section 5 page 4.
HIRE OF CHURCH PROPERTY
1. Who must have Public Liability Insurance?
Every Hirer must have PL Insurance with an Insurer licensed in Australia. If the Certificate of
Currency supplied by the Hirer in response to this request shows an Insurer that you have any
doubt about, refer it to your Diocesan Insurance contact for clarification.
Parish Manual Version 6.0 Page S3-2
The rule is: no insurance no hire. If we don’t follow this rule we will be picking up liability for
activities over which we have no control.
2. Can we arrange Public Liability Insurance for Hirers?
We have a facility to arrange PL Insurance for Personal Hirers wishing to hire property for
personal use. The procedure and definition of “Personal Hirers” are set out on pages dealing with
Hire of Church Property.
We cannot and will not arrange cover for other Hirers and neither should you.
Parish Manual Version 6.0 Page S3-3
4. CLAIMS PROCEDURE
This section is included for information purposes. It is designed to provide assistance in
procedures to be followed in the event of any incident that might give rise to a claim occurring
under any of your insurance policies.
All claims are to be reported to your Diocesan Insurance Contact (details in Section 2).
Firstly, some remarks on reporting incidents.
Incident Reporting
This segment gives guidance on the action to be taken in those matters where something happens
that may not give rise to an immediate claim. For example, a visitor to a Church property or a
voluntary worker may trip and sustain a minor injury such as a strained wrist. The problem is that,
at the time, it is difficult to foresee that medical complications may occur later leading the injured
person to make a claim against the Diocese.
The safest rule is to gather immediately as much information as possible, take statements from
any witnesses, draw a diagram or take a photograph of the accident scene and report the incident
to your Diocesan Insurance Contact (details in Section 2). Naturally, the same procedure should
be followed when it is obvious from the outset that there will be a claim.
NEVER, UNDER ANY CIRCUMSTANCES, ADMIT LIABILITY NOR MAKE ANY STATEMENT
WHICH MAY LEAD THE INJURED PERSON TO BELIEVE THAT YOU, YOUR PARISH OR THE
DIOCESE ACCEPTS RESPONSIBILITY FOR THE INCIDENT. This may seem harsh but at one
end of the scale it will help in the defence of spurious claims and at the other will not raise hopes
that assistance or compensation may be forthcoming which are not available.
If you are in doubt about what to do you should contact your Diocesan Insurance Contact (details
in Section 2).
The following paragraphs in this section set out the procedures for specific classes of insurance.
Property (Industrial Special Risks)
To enable the completion of the claim without delay and to minimise the possible damage, it is
important that the following action be taken:
 All reasonable steps should be taken following loss or damage to protect the property from
any further damage.
 Any loss by theft and/or wilful or malicious damage should be immediately advised to the
nearest Police station.
 Report by telephone to your Diocesan Insurance Contact (details in Section 2) who will
advise what further action is required. The Diocesan Office will submit the claims to Robert
Parish Manual Version 6.0 Page S4-1
Stanley who will consider them and either approve or disallow the claim or contact the
parish for further details.
 Within 14 days, submit a report in writing giving details of the incident, the loss or damage
sustained and any other information relevant to a possible claim.
 Where authorised, pay the repairer’s account and send a copy of the receipted account to
the Diocese for reimbursement.
 Where a Loss Assessor is appointed, liaise with that person and provide all relevant
information to the Assessor.
A property Claim Form is included in Section 6 for your use.
Property in transit (Clergy and Lay Employee transfers)
Should owned goods be delivered in a damaged condition or should there be any reason to
suspect damage
1. The attention of the Carrier’s or Shipper’s Representative should be immediately drawn to
same and the delivery receipt endorsed accordingly. In the event of suspected damage, it
is suggested that the receipt be endorsed “Goods believed to be damaged. Accepted
subject to survey in store”.
2. A letter of claim should be immediately lodged with the Carrier or Shipping Company’s
Agent.
3. The Diocesan Registry should be advised by telephone of any damage and an estimate of
repair or replacement cost should be given. This notification will enable an Underwriter’s
Surveyor to call, if required.
4. A claim form should be completed and returned together with the:
a) Delivery Receipt;
b) Original Freight Note or Carbon Copy;
c) Copy of letter of claim sent to Carrier or Shipping Company’s Agent and reply;
d) Original Invoices.
Parish Manual Version 6.0 Page S4-2
General Liability (Public and Products)
UNDER NO CIRCUMSTANCES MUST LIABILITY BE ADMITTED EITHER VERBALLY OR IN
WRITING
It must be remembered that this is a Legal Liability policy and as such only indemnifies us for our
Legal Liability and not what we may believe to be a moral responsibility for injury or damage. An
admission of liability on our part could void our policy.
Upon the happening of any incident likely to give rise to a claim, the following points must be
noted:
1. All reasonable steps should be taken following an accident or loss to protect the person or
property from any further injury or damage.
2. Advice must be forwarded to your Diocesan Insurance Contact (details in Section 2),
together with the originals of all correspondence received from a third party and any
accompanying accounts.
3. No correspondence should be entered into with a third party except acknowledgment of
receipt of the claim. The acknowledgment letter should read as follows:
“Without Prejudice
We acknowledge receipt of your correspondence concerning the
incident at ................................
This is receiving our attention.”
This is the only form of words acceptable in acknowledging receipt of a claim.
4. Do not give any interview or make any statement to a Loss Assessor or other person
investigating any accident or damage unless such person is acting on behalf of your Insurer
or Principal.
Professional Indemnity
Directors’ & Officers’ Liability
Employment Practices Liability
Statutory Liability
These policies are written on what is known as a “claims made” basis.
This means the policies cover claims notified during the period of insurance, rather than actually
relating to the date of occurrence giving rise to the action against you.
Any written or verbal contact from a party alluding to a breach of professional duty should be
referred to your Diocesan Insurance Contact (details in Section 2) immediately.
No correspondence or discussion should be entered into with the party making the allegation.
Parish Manual Version 6.0 Page S4- 3
Voluntary Workers Personal Accident
Business Travel
Personal Accident & Sickness
All claims under these insurances are to be reported as soon as possible to your Diocesan
Insurance Contact (details in Section 2) An Incident/Accident Report Form should be completed
(included in Section 6 of this manual) and sent to the Diocesan Office. In the case of injury to a
Voluntary Worker, the Form is to be accompanied by statements from any available witnesses.
Stipend Continuance Insurance
Notification to the Insurer
When
an Insured Cleric is temporarily totally disabled by accident or illness from performing his or her
duties and
the period of disability will or is likely to exceed 180 days,
the Cleric may notify the Insurer of a claim at any time after the first 90 days from the date of
disability and the Bishop may notify the Insurer of a claim at any time after the first 135 days from
the date of disability.
The Cleric shall render every assistance in completion of documents and provision of medical
evidence (including attendance at medical examinations) to the Insurer so that the claim may be
admitted or denied within the time limit of the policy.
The Insurer has 45 days from the date of the claim to admit or reject the claim.
Actions after admission of a claim by the Insurer.
The Cleric, at midnight on the 45th day after admission of the claim or such other later time as
may be agreed with the bishop, shall
 if an Incumbent, vacate their incumbency in accordance with Section 3 of the Appointments
(Stipend Continuance) Act 2000,
 if not an Incumbent, have their licence revoked.
The Insurer will pay the Cleric the Stipend Continuance Benefit during the period covered by the
policy.
The parish/Diocese shall cease to be entitled to payments under the Diocesan Sickness and
Accident Insurance Policy with effect from the date on which the Stipend Continuance Insurance
benefit is paid.
Parish Manual Version 6.0 Page S4- 4
Motor Vehicle
This section relates to certain vehicles registered in the name of the Trust Corporation.
Claims are lodged direct with Vero Insurance Ltd through its Claims First Response Unit
To lodge a claim simply contact Vero on 1800 222 043 - 24 hours a day, 7 days a week.
During this call they will:-
Request you to quote your policy number, which is MSL071341823
Take all the relevant details over the phone – a Claim Form is not required
Provide you with the name of the closest network repairer and confirm the appointment of an
assessor.
Parish Manual Version 6.0 Page S4- 5
5. INSURANCE PROGRAM SUMMARY
INDUSTRIAL SPECIAL RISKS
This policy provides protection against loss of or damage to buildings and contents and loss of
business income arising from an insured peril.
Basis of Settlement: Reinstatement or Replacement (unless otherwise specified)
Risks Covered Combined Limit
Section 1
Material damage (i.e. damage to property)
Fire, lightning, storm, water, hail, flood, riots,
vandalism, malicious damage, impact by vehicles,
explosion, earthquake, aircraft and glass breakage.
$20,000,000
Section 2
Business Interruption - loss of income (other than giving receipts)
and extra costs incurred in maintaining income for up to 36 months
caused directly by the operation of an insured peril at the premises.
Sub-limits (Any one loss)
Section 1
Accidental Damage $1,000,000
Additional Extra Cost of Reinstatement $1,000,000
Boarding Students’ property (other than money) excluding accidental damage, $250,000
burglary and theft - $5,000 per student
Boiler & Pressure Vessel Explosion $200,000
Burglary and Theft from buildings and the like (other than money insured below) $350,000
Data Processing /Media Breakdown $100,000
Data Restoration Costs $100,000
Electrical and/or Breakdown of Machinery, Plant and Equipment (including Fusion) $500,000
Episcopal Regalia including Worldwide transit $100,000
Erosion, subsidence, earth movement or collapse $1,000,000
Fidelity Guarantee/Fraud & Dishonesty – National Annual limit $1,000,000 in the $500,000
aggregate
Computer and Funds Transfer Fraud - National Annual limit in the aggregate $500,000
Jewellery, Precious Metals and Stones $50,000
Loss of Land Value $1,000,000
Money – On premises during business hours, in locked safe or strong room out of $200,000
business hours and transit including personal custody
Money – On premises out of business hours not in locked safe or strong room $20,000
Privately owned items not otherwise insured, including property at fetes, art and $250,000
craft shows
Parish Manual Version 6.0 Page S5-1
Property (excluding money) in transit anywhere in Australia $100,000
Property of Employees and Volunteers not otherwise insured (per person) $5,000
Property undergoing repair, alteration or construction of new property not more $500,000
particularly insured
Rockeries, trees, shrubs and the like $100,000
Spoilage of Food and Goods $25,000
Standing timber, growing crops and pastures $50,000
Temporary Accommodation Expenses (Clause 3.2.6) $50,000
Theft of Property in Open Air $50,000
Individual Works of Art, Antiques and Curios unless otherwise declared to Insurers $100,000
Section 2
Additional Increased Cost of Working to maintain normal operations $1,000,000
Accounts Receivable $100,000
Claims Preparation costs $1,000,000
Deductibles (sections 1 and 2 combined):
Any one loss:-
1.Earthquake - $20,000 or 1% whichever is the lesser
2.Clergy, Volunteers, and Employees' Property - Nil
3.All other Losses - $500 for each claim
PUBLIC AND PRODUCTS LIABILITY
These policies provide protection for claims against us where we are legally liable for personal
injury to or damage to property of third parties.
Limits of Indemnity:
General and Products Liability
Primary policy $20,000,000 any one claim
Umbrella policies $100,000,000 any one claim
Total $120,000,000
Products Liability $120,000,000 any one period of insurance
Property in the Care Custody
or Control of the Insured $10,000,000 any one claim
Excess:
Primary policy Nil
Umbrella policy $10,000 - where cover is broader than
Primary policy
Extensions:
Sudden and Accidental Pollution
Advertising Liability
Parish Manual Version 6.0 Page S5-2
PROFESSIONAL INDEMNITY
This policy protects us against any claim made on us during the period of insurance for breach of
professional duty by reason of any negligent act, error or omission.
Limits of Indemnity:
$25,000,000 any one claim
$50,000,000 in the aggregate.
Excess: $5,000 Each and every claim
DIRECTORS' AND OFFICERS' LIABILITY
The policy covers all clergy, members of vestry and persons holding positions as Directors,
Secretaries or Executive Officers in all Parishes of the Diocese plus other nominated
organisations.
The cover provided is in respect of the personal legal liability of the insured persons for their
errors, misstatements, or breaches of duty committed in good faith in their official positions.
Cover only applies to claims that are reported to Insurers during the policy year.
Insured Persons: Any past, present or future Director, Secretary, Registrar, Executive
Officer, Employee - paid or voluntary - including Ministers and Lay
Ministers.
Limit of Indemnity: $10,000,000 any one claim
$20,000,000 in the aggregate during the period of insurance.
Excess: Directors’ and Officers’ Nil
Company reimbursement $5,000
STATUTORY LIABILITY
The cover protects the insured Entity, its Directors and Employees for their liability to pay fines
arising out of innocent breaches of many of the Commonwealth and State Acts that govern their
operations.
Limit of Indemnity: $2,000,000 any one claim and in the aggregate during the period of
insurance.
Excess: Insured Entity $5,000 any one claim arising from breaches of
Occupational Health & Safety Legislation at any
Educational Institution other than Kindergartens and
Childcare centres.
$2,500 any one claim all other losses
Individual $1,000 any one individual any one claim
Parish Manual Version 6.0 Page S5-3
EMPLOYMENT PRACTICES PROTECTION
This policy indemnifies Employers in respect of claims for breaches of employment practices
legislation and applies only to claims that are reported to Insurers during the policy year.
Limit of Indemnity:
$1,000,000 any one claim and in the aggregate during the period of
insurance.
Excess:
$5,000 any one claim
VOLUNTARY WORKERS PERSONAL ACCIDENT
This policy covers all voluntary Clergy and Lay voluntary workers between 7 and 85 years of age,
whilst actually engaged in voluntary work officially organised by and under the control of the
Church and/or its relevant councils, committees or bodies.
Insured Persons: Voluntary, anywhere in the world, whilst actually engaged in:
1. Any voluntary activity officially organised or authorised by the Insured
2. Any voluntary activity associated with joint ventures (with other denominations).
Necessary direct travel to, from and during such voluntary work is also covered (including
motorcycling).
Benefits:
Death and Capital benefits with usual table of maims $250,000
except for students under 18 years of age $20,000
but maims table calculated on $250,000
Non-Medicare Medical Expenses in respect of medical, $10,000
ambulance, hospital services not otherwise provided
under Medicare incurred within one year of the accident
Note: The gap between fees charged and the amount
recovered from Medicare is not insured
Weekly benefits –maximum 156 weeks
1. Temporary total disablement from engaging in *$1,500 pw
usual profession, business or occupation arising from
an accident.
2. Temporary partial disablement from engaging in *$300 pw
usual profession, business or occupation arising from
an accident.
Parish Manual Version 6.0 Page S5-4
For persons over 75 benefits are limited to funeral, domestic help and non-medicare expenses
only.
* Where as a result of an accident a voluntary worker's weekly income is reduced by less than
the maximum stated above, then compensation shall be limited to:
1. The actual weekly reduction in the voluntary worker's income, plus
2. Reimbursement for additional housekeeping and/or home help necessary as a direct result
of the accident.
Other benefits:
Volunteers not in receipt of pre disability earnings and not entitled to claim under another section –
other than for medical expenses - shall be entitled to recover under this section the reasonable
cost of travel, domestic help, nursing and/or child minding incurred as a result of injury causing
total disability. Limit $1,500.00 per week for 104 weeks.
TRANSIT – HOME CONTENTS (Clergy and Lay
Employee transfers)
This Insurance covers property of Clergy and Employees for moves between Parishes or
appointments that are paid for by the Diocese/Parish/Employer.
It is Diocesan practice to use this insurance and not that offered by the Carrier because it is
substantially cheaper and provides better cover.
Cover: Loss or damage including accidental damage.
Limit: Replacement cost up to $250,000 any one transit.
Excess: Nil
Basis of Settlement: Replacement Value (New for Old)
Extensions: Loading and unloading
Delayed unpacking – up to 30 days
Cover during Storage available on request
Temporary Accommodation expenses up to $100 per day in the
event of total loss
Packing is not a condition of cover
No valuations required – Carrier’s inventory sufficient
Procedure: The Parish will be contacted for the necessary information when an
appointment is announced.
Premium: Where costs of a move are a Parish responsibility, the Parish will be
invoiced with the premium by the Diocese.
Parish Manual Version 6.0 Page S5-5
PERSONAL ACCIDENT & SICKNESS
Clergy are also covered against accidental death to the extent of $100,000. A small fund is being
built up to assist with locum expenses to be paid at the Bishop’s discretion in the period before
Salary Continuation Insurance takes effect (6 months after the commencement of illness or
disability)
Age Limits: 15 - 85 years
Major Extensions: Automatic cover on all additional and/or new Clergy or Staff (subject to
premium adjustment following expiry of policy).
STIPEND CONTINUANCE
Cover applies to all licensed Parish and Diocesan paid clergy (less than 65 years of age) for long
term temporary total disability. The premium is shared equally between the cleric (stipend sacrifice
permitted) and the parish/Diocese.
Benefit: At an annual rate of 100% of the last declared stipend of the cleric.
MOTOR VEHICLE
This policy covers vehicles belonging to the Diocese.
Limit Of Indemnity: Section 1 – Own vehicle damage - Market Value or Sum Insured
whichever is the lesser
Section 2 Third Party property damage- $30,000,000 (Hazardous
Goods $500,000)
Excess: $400
In addition age/inexperience excesses to apply:
Drivers under 21 years of age $750
Drivers under 25 but over 21 years of age $300
Drivers with less than 2 years experience $250
Endorsements
Special Considerations: Automatic insurance for additional vehicles up to $100,000 (annual
adjustment)
Parish Manual Version 6.0 Page S5-6
CONSTRUCTION SPECIAL RISKS
This policy covers the Anglican Church Property Trust, This Diocese, the Contractor and
Subcontractors for
Property Damage - Construction works, ancillary and temporary works, materials to be
incorporated therein, temporary buildings, hoarding and scaffolding for
all declared projects
and
Public Liability - Liability to third parties caused by the Principal, Contractor or any
Subcontractor arising out of incidents at the site for all declared
contracts.
Policy Limits: Property Damage $5,000,000
Public Liability $10,000,000 any one occurrence
Excesses: Property Damage - each claim:
Malicious damage $1,000
Theft $1,000
Public Liability - each claim
Damage to underground services $1,000
Vibration and removal of support $1,000
Upper storey extensions or additions $1,000
All other claims $ 500
Personal injury NIL
Exclusion: Contractor's and/or Subcontractors' tools of trade.
Procedure: Before commencement of the works the Parish shall advise the Registrar of
the following: -
Proposed start date
Nature of the Works
Identity of the Contractor
Contract price
Expected duration of the contract
A deposit premium will be charged to your Parish based on this information with a final adjustment
on the actual price.
Parish Manual Version 6.0 Page S5-7
STALLHOLDER’S LIABILITY
Public Liability and restricted Products Liability of Stallholders attending Parish markets for
personal injury or damage to property arising out of their activity at our market.
The Insured: Any Stallholder who applies for this insurance in the agreed manner. This
information is available from your Diocesan Insurance Contact (refer
Section 2).
Limit of Indemnity: Public Liability $10,000,000 each claim
Products Liability $10,000,000 in total during the policy year
Excess: $1,000
HIRER’S LIABILITY
Liability of hirers for personal injury or damage to property arising out of the hire or use by them of
Church property.
The Insured: Any person who hires or uses Church property for a private personal function
e.g. family event and who applies for this insurance in the agreed manner.
Limit of Indemnity: $2,000,000 each claim
Excess: $250 for property damage
Nil for all others
Hire or use of church property
The following notes and Agreements will be useful.
The insurance program includes cover for the use by Anglican Church groups of Church premises
and property for purposes of Church/Parish activities.
The liability of other persons, groups or companies who may use Church property is not included
in the program and it is important that, in hiring the property, they understand their responsibility.
This extends not only to care and safe custody of the property but also to indemnification of the
Church/Parish for any liabilities that arise from their activities.
The following table will assist you in determining how you should deal with each case:-
Parish Manual Version 6.0 Page S5-8
Hirer Action
Other Anglican Church Group None
Person or Individual for You may feel it advisable to ask for a formal agreement
Personal use e.g Birthday as set out in the attached “Memorandum of Hire of
parties and family celebrations Facility”. At the very least you should advise them of
their responsibilities for damage to the property,
breakages and for liabilities arising from use of the hired
facilities.
If you choose the latter option, they are required to sign
a copy of the “Personal Hire Agreement” as set out on
the following page.
Most Personal Hirers will avail of the option to extend
our insurance program to cover their Public Liability risk.
This extension is available on application by sending the
original of the Personal Hire Agreement to your
Diocesan Insurance Contact (refer section 2), prior to
use, and upon payment of a premium of $25.00 per day
or as may be agreed with your Diocesan Insurance
Contact.
Non-Church group or club,, The facilities can only be hired when the Hirer has
entered into the appropriate Memorandum of Hire of
Company, Government Body Facility.
or other group A copy of this Memorandum appears in the following
pages together with some optional clauses, any of
which you may wish to incorporate into your specific
Memorandum.
Should you require a copy of these documents on disk,
please contact your Diocesan Insurance Contact (refer
section 2).
In summary, the Memorandum places all responsibility
on the Hirer, including for purchase of Liability
Insurance.
Parish Manual Version 6.0 Page S5-9
BUSINESS TRAVEL
The policy covers all persons travelling on official Parish or Diocesan business.
Cover is provided on the following basis : -
Insured: All Clergy, Employees and Voluntary Workers including accompanying spouses
and dependent children.
Journey: Any authorised intrastate (where the journey involves a flight or overnight stay),
interstate or overseas business travel and the overseas part of authorised study
leave including associated holiday travel commencing from residence or place of
business (whichever is the last point of departure) and continuing on a 24 hour
basis until return to residence or place of business (whichever is the first point of
arrival).
Holiday Travel Incidental holiday travel is covered where it does not exceed 60% of the total
travel time. Details must be included on the Travel Declaration.
The maximum duration of any one trip shall be 90 days.
Flights on Chartered Aircraft or Helicopters require prior approval from the Insurer and will
attract an additional premium. Please advise your Diocesan Insurance Contact; refer Section 2
Accidental Death: Annual salary X 5 to a maximum of $500,000 or $250,000 for
accompanying spouses/partners or $10,000 for dependent children
Sickness & Accident: Temporary Total Disability - $600 per week – not exceeding 100% of
earnings for 156 weeks subject to exclusion of the first 14 days
disablement.
Kidnap & Ransom: $250,000 Loss of Deposits: $5,000
Medical expenses: Unlimited Personal Liability: $5,000,000
Baggage: Electronic equipment: $10,000 – excess of $250 per claim
(Note requirement on Declaration Form for transport as cabin
baggage)
Other baggage: $20,000 subject to a limit any one item of $5,000
Money/Travel Docs $1,000
Collision Damage &
Theft waiver $5,000
Procedure: Any eligible person wishing to avail of this cover is required to
complete the form in Section 6 and return to your Diocesan
Insurance Contact (details in Section 2) 7 days before the journey
begins.
Parish Manual Version 6.0 Page S5-10
6. AGREEMENTS AND FORMS
The following Agreements and Forms are included for use by parishes and other Diocesan
Organisations. These should be photocopied for use as required.
Personal Hire Agreement
Memorandum of Hire Facility
Travel Declaration
Property Insurance Claim Form
Incident Report
Public Liability Certificate of Currency
Parish Manual Version 6.0
PERSONAL HIRE AGREEMENT
(Personal hire for Personal use)
Persons hiring or using buildings and other property of the Anglican Church accept responsibility
for the safe custody of the property during the term of the hire or use. They are required to
indemnify the Diocese for any liability arising from the hire and use of the buildings and/or other
property.
I/we hereby confirm that I/we have read and fully understand and accept my responsibilities, as
summarised above, in entering into this hiring agreement.
I/we have arranged my/our insurances to cover the liabilities listed above and to indemnify the
Diocese and enclose evidence of this arrangement.
or
I/we request that the Diocese arrange insurance to cover these liabilities to $2 Million and I/we
agree to pay the premium calculated at $25.00 per day/$…… per year. I/we accept that this
insurance is subject to payment by me/us of the first $250.00 for property damage.
Tick one box only
Date of Hire.................................... Nature of Hire/Use ……………………………
Signed by the Hirer.............................................................. Date....../......./.........
Name of Hirer (please print)................................................
Parish………………………………..
 Personal means:
The hirer is a person or an unincorporated group meeting for a non-commercial, non-political, non
“cause/crusade” purpose where the meeting is not open to the general public and the hirer does
not have a public liability policy. Examples of such activities are:
 A private birthday party, celebration, wedding reception
 Dance practice not associated with a dance school or lessons and no fees are charged
 Friends who want a venue to read plays/poetry etc (but not rehearsals for a show)
 Knitting groups who like to meet to compare work/ideas
 Musicians using premises for non-commercial purposes (but not musicians who perform
elsewhere)
 Informal support/self-help groups
Parish Manual Version 6.0
MEMORANDUM OF HIRE OF FACILITY
Owner The Trusts Corporation of the Diocese of Gippsland
Hirer Name
Address
Parish Facility
Parish Representative
Description of Facility
Date(s) of hiring From: to:
Hiring Fee $
Obligations of the Hirer
1. To pay the hiring charges in the manner and time agreed.
2. To leave the facility in a satisfactory and clean condition (including any black/white boards).
3. To remove all rubbish.
4. Not to remove anything owned by the Parish from the facility.
5. To lift (not drag) anything moved within the facility and to return to its original position.
6. Not to use any exhibits or decorations in the facility without the prior agreement of the Parish
Representative.
7. To do no damage to the facility, its furniture and furnishings, accessories or environs and to
report to the Parish any loss of damage to property and to pay for its repair or replacement.
8. Not to permit smoking within the facility.
9. To switch off all lights, fans, heaters/air conditioners and other electrical equipment before
vacating the facility.
10. To secure windows and doors on vacating the facility.
11. To return any keys to the Parish in the manner and at the time agreed.
12. To effect and keep in force public liability insurance cover with an Insurer acceptable to the
Owner at the Hirer’s expense for an amount not less than $5,000,000 which shall include the
following extensions :-
 Liability for loss of or damage to property of the Owner
 Indemnity for claims made against the Owner arising out of the negligence of the Hirer
and to produce to the Parish Representative evidence thereof.
13. Evening functions should conclude by 12:00 midnight and the premises must be vacated by
1:00 am.
14. During the period of hire, to create no nuisance either by way of noise or otherwise so as to
inconvenience adjoining owners or occupiers.
Parish Manual Version 6.0
15. Not to carry out in or about the facility any illegal activity.
Acknowledgement by Hirer
The Hirer acknowledges that the facility is in such a condition at the date of commencement of the
hiring as to render it completely suitable for the purpose for which the Hirer intends to use it.
Indemnity
The Hirer hereby indemnifies the Owner and the wardens and parish councillors of the Parish from
and against all actions suits claims and demands of whatsoever nature arising out of or in any way
touching or concerning the hiring of the facility.
Signed on behalf of the Owner
Signed on behalf of the Hirer
Date:
Parish Manual Version 6.0
OPTIONAL CLAUSES
Not to permit the parking of vehicles in the Church driveways at any time.
Not to enter or permit any person to enter any area other than the facility which is the subject of
this agreement.
The Hirer shall, at their own expense, and/or when directed by the Parish Representative, arrange
for police attendance.
Not to permit barrels or drums for the storage of ice in the facility.
Not to move Pianos without prior agreement of the Parish.
To ensure that any stage or the rear thereof shall be out of bounds and any stage curtains may be
used only by prior agreement with the Parish.
Not allow amplification of music unless the Parish Representative grants special written
permission. If such permission is given, the volume will be kept to acceptable levels in accordance
with the Environmental Protection Act. All music must be turned down by 11:00 pm and turned off
by 1:00 am. Note that under this Act, if police are called out regarding noise levels on the second
occasion they will impose a fine.
Not to sell liquor on the premises. The Hirer is reminded that it is an offence to serve liquor to
minors.
The Hirer shall deposit the sum of $_____.__ as a guarantee of fulfilment of all terms and
conditions, and as security against damage or extra cleaning. The Hirer shall be liable to pay any
further amount in excess of such bond on demand by the Parish to meet the full cost of such
damage or extra cleaning. Should the Hirer not fulfil the terms and conditions then the bond shall
be forfeited. If there is no breach of conditions, damage or extra cleaning costs the bond shall be
returned.
Bond monies may be forfeited unless written advice of cancellation of booking is received two
weeks prior to booking date.
If the Parish Representative, or any Officer of the Parish deems it necessary to shut down a
function, with or without the aid of the police, the bond shall be forfeited.
To respect the rights of residents in the area of the facility. All guests are to be instructed to
disperse quickly, quietly and with respect for the residents when leaving. Any complaints from the
residents may result in the bond being forfeited.
Parish Manual Version 6.0
TRAVEL DECLARATION
Full Name: _________________________________________________________
Address: _________________________________________________________
Phone: ________________________
Destination: ______________________ Via ________________________________
Travel dates: From ____________ to ______________
The maximum duration of any one trip shall be 90 days.
Reason for travel: _________________________________________________________
Accompanying
Persons: __________________________________________________________
Note: Electronic equipment is not insured when travelling by aircraft, bus or
waterborne vessel unless it is carried by you as cabin baggage.
Incidental holiday travel is covered where it does not exceed 60% of the
total travel time.
Signed by Person making journey: ________________________
Date: _______________ __
Signed by Parish/Diocesan Representative: ________________________
Return to:
The Registrar
Anglican Diocese of Gippsland
PO Box 928
SALE VIC 3850
Fax: (03) 5144 7183
Seven days prior to departure
Parish Manual Version 6.0
ANGLICAN DIOCESE OF GIPPSLAND
PROPERTY INSURANCE CLAIM FORM
Claim no…………………
Parish / Entity::………………………………………………………A.B.N.……………………………….
Address: ……………………………………………………………………………Post Code………….
GST registration: Yes No
Particulars of loss or damage: Date: …………………….. Time: …………………………
Location: …………………………………………………………………………………………………….
Full description (including cause): ………………………………………………………………….
………………………………………………………………………………………………………………….
………………………………………………………………………………………………………………….
………………………………………………………………………………………………………………….
Specify remedial action taken to prevent a recurrence:
…………………………………………………………………………………………………………………
…………………………………………………………………………………………………………………
Has loss been reported to the police? No Yes Attach report
List property lost, stolen or damaged:
Description of Property Replacement cost $
Net of GST
Total replacement cost Net of GST $
Less policy excess $
Total amount claimed $
PLEASE ATTACH COPIES OF QUOTATIONS OR INVOICES FOR REPAIR OR REPLACEMENT.
Name: ………………………… Position …………………… Phone:………………
Fax ………………… Email ………………………
Signature: ……………………………………………….. Date: ……………………
Parish Manual Version 6.0
ANGLICAN DIOCESE OF GIPPSLAND
ACCIDENT / INCIDENT REPORT
(use only for personal injury to a Third Party or for damage to Third Party property)
Parish / Entity:………………………………………………………A.B.N.………………………………..
Address: ………………………………………………………………………Post Code……………….
GST registration: Yes No
Date of Accident / Incident ………………………. Time of Accident / Incident …………..
Details of injured person involved:
Employee Volunteer Contractor Visitor
Name: ………………………………………… Date of Birth: ……………… Sex: M / F
Injury Details:
Bodily location of injury …………………………………………………………………………………
Nature of injury
…………………………………………………………………………………………………………………
…………………………………………………………………………………………………………………
…………………………………………………………………………………………………………………
Was person hospitalised as a result of accident / incident? Yes No
Name of any witness(es) …………………………………………………………………………………..
Accident / Incident Details
Location of the Accident / Incident ………………………………………………………………………
What do you consider caused the Accident / Incident? ……………………………………………..
…………………………………………………………………………………………………………………..
…………………………………………………………………………………………………………………..
Parish Manual Version 6.0
Specify remedial action taken to prevent a recurrence: ……………………………………………..
…………………………………………………………………………………………………………………..
…………………………………………………………………………………………………………………..
Third Party Property Damage details:
Particulars of loss or damage: Date: …………………….. Time: …………………………
Location:…………………………………………………………………………………………………….
Full description (including cause):………………………………………………………………………
………………………………………………………………………………………………………………….
………………………………………………………………………………………………………………….
………………………………………………………………………………………………………………….
Specify remedial action taken to prevent a recurrence: ……………………………………………
…………………………………………………………………………………………………………………
…………………………………………………………………………………………………………………
…………………………………………………………………………………………………………………
Further Comments: ………………………………………………………………………………………..
…………………………………………………………………………………………………………………
…………………………………………………………………………………………………………………
…………………………………………………………………………………………………………………
Name: ……………………………………. Position: ……………………………..
Phone: ……………….. Fax: ……. ………………… Email: ……………………………………
Signature: ……………………………………………….. Date: ……………………
Parish Manual Version 6.0
PUBLIC LIABILITY CERTIFICATE OF CURRENCY
Click Here
Parish Manual Version 6.0
AMENDMENT SHEET
Amendments will be issued to this manual as required. This sheet will be used to identify these
amendments assisting manual users to keep it up to date.
Update No. Issue Date Pages Amended
6.0 Feb 2006 Initial issue
Parish Manual Version 6.0